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Warning on Short-Term Health Insurance

February 27, 2019
 
 

The American College Health Association is cautioning institutions to avoid even indirectly promoting short-term health-care plans that it says are not comprehensive or adequate for students.

The U.S. Department of Health and Human Services recently released regulations around short-term limited duration insurance. These regulations state, according to an ACHA white paper, that colleges and universities cannot offer these as health insurance. These plans are also not compliant with the Affordable Care Act.

ACHA has said that these plans, the premiums of which are much cheaper than other ACA-compliant plans, do not offer the same coverage options. The association said that institutions should survey the entire campus to make sure they are not considering plans that may not be ACA compliant.

"ACHA recognizes the importance of health insurance coverage as a critical factor in academic retention and completion," Devin Jopp, chief executive officer of ACHA, said in a statement. "We believe colleges should use caution in offering students STLDI or other coverage that is not student health insurance. Colleges should ensure that any coverage offered meets the needs of students, is fully compliant with laws and regulations applicable to colleges that are recipients of federal funding, and meets the requirements specified in ACHA's student health insurance standards."

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